The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,229
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$671/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,373/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,617
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$643/mo
Today · 4.125%
HK$24,893
baseline
▲ 0.50% · 4.625%
HK$26,205
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,786/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,474
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$805/mo
Today · 4.125%
HK$27,072
baseline
▲ 0.50% · 4.625%
HK$28,719
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,144/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$771/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,720
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$940/mo
Today · 4.125%
HK$31,584
baseline
▲ 0.50% · 4.625%
HK$33,506
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,168/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,950
−HK$900/mo
Today · 4.125%
HK$34,850
baseline
▲ 0.50% · 4.625%
HK$36,686
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,700/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,211
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,400
−HK$1,208/mo
Today · 4.125%
HK$40,608
baseline
▲ 0.50% · 4.625%
HK$43,079
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,216/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,510
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,650
−HK$1,157/mo
Today · 4.125%
HK$44,807
baseline
▲ 0.50% · 4.625%
HK$47,168
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,614/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,974 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).